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Collier County/Marco Island/34145

34145

ZIPSAFMR
Collier County, FL
Zillow

ZIP Investment Score

27Below average

095130300
BRFMR
Eff. Rent
0 BR$1,600$1,760
1 BR$2,110$2,320
2 BR$2,300$2,530
3 BR$2,920$3,210
4 BR$3,180$3,500
5 BR$3,657Not available
6 BR$4,206Not available
7 BR$4,836Not available
8 BR$5,562Not available

Purchase Price Calculator

Maximum purchase price
$314,040

Cost breakdown

+Likely effective rent$2,530
HUD FMR$2,300
Market rent$4,500
Est. payment standard (110%)Used$2,530
-Principal and interest-$1,588
Loan amount$251,232
Down payment$62,808
Rate6.50%
Term30 years
-Operating costs-$742
Property taxes-$314
Insurance-$175
Utilities$0
HOA$0
Management-$253
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,348(64.2% ROI)
Projected value
$338,187
Return breakdown
Property appreciation+$24,147
Loan principal paid down+$9,001
Rental cash flow+$7,200
5-year hold
+$69,319(110.4% ROI)
Projected value
$355,308
Return breakdown
Property appreciation+$41,267
Loan principal paid down+$16,051
Rental cash flow+$12,000
10-year hold
+$150,205(239.1% ROI)
Projected value
$401,998
Return breakdown
Property appreciation+$87,958
Loan principal paid down+$38,247
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.75
1 BR
0.75
2 BR
0.51
3 BR
0.50
4 BR
0.38
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34145 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34145 (Marco Island, FL) is $2,300 a month. That is down 1.7% from $2,340 in FY 2026. Marco Island is in the Naples-Marco Island, FL MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,036. Among 27 ZIP codes in Collier County, 34145 is tied for the 5th-highest two-bedroom rent (county range $1,790–$2,490). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34145 is 56% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34145
BedroomsFY 2027Change90–110% range
Studio$1,600−2.4%$1,440–$1,760
1BR$2,110−0.5%$1,899–$2,321
2BR$2,300−1.7%$2,070–$2,530
3BR$2,920−3.9%$2,628–$3,212
4BR$3,180−3.9%$2,862–$3,498

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34145
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,600$2,110$2,300$2,920$3,180
FY 2026$1,640$2,120$2,340$3,040$3,310
FY 2025$1,590$1,860$2,170$2,860$3,110
FY 2024$1,590$1,790$2,140$2,850$3,000
FY 2023$1,590$1,810$2,210$2,950$3,040

Two-bedroom rent in nearby Collier County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34145
34117$2,000−13.0%
34119$2,250−2.2%
34120$2,490+8.3%
34134$1,980−13.9%
34137$1,940−15.7%
34138$2,220−3.5%
34139$2,120−7.8%
34140$2,3000.0%
34141$2,050−10.9%
34142$1,790−22.2%
34145Current$2,300—
34146$2,040−11.3%

Questions about ZIP 34145 rents

How much will Section 8 pay for a two-bedroom in ZIP 34145?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,036, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,832 to $2,240 a month; under the ZIP-level Small Area FMR of $2,300 it would be $2,070 to $2,530. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 34145 in?

ZIP 34145 is in the Naples-Marco Island, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,036.

How much did fair market rent change in ZIP 34145 for FY 2027?

The two-bedroom FMR fell 1.7%, from $2,340 in FY 2026 to $2,300 in FY 2027. Since FY 2023 it has risen 4.1%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentMarco Island, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources